3D secure 2 is the latest standard released by EMVCo that allows merchants and payment service providers to send additional data elements to the issuing bank of the cardholder, which in turn, makes it possible for the issuer of the card to perform frictionless authentication and offer an improved, better, user experience to the cardholder. With the additional data elements relating to the cardholder, issuers can apply Frictionless Authentication flows or “Challenged” authentication flows. Frictionless Authentication Flows: * issuers can apply risk-based decisions using the additional data received and trust that the real cardholder is making the purchase and auto authenticate the transaction in the background without requesting any additional information from the cardholder. Challenged Aut

3D Secure * ** 3D secure is an XML-based security protocol for online credit and debit card transactions. 3D Secure adds an authentication step for online payments, making it possible for cardholders to authenticate their online transactions with their card issuers, using a password or OTP. Benefits of using 3D secure * Reduces fraudulent debit & credit card transactions processed through online platforms Gives the merchants and acquiring bank liability protection 3D secure providers * CyberSource Bankserve 3D secure with iVeri * High: 3D secure – If a merchant is deemed high risk, the acquiring bank can set merchants on this level. Merchants that want lowest possible risk can also opt for this level. Medium: 3D secure/attempted- This option gives merchants a broader reach in the cards the

3D Secure authentication is an additional layer of security used in online credit and debit card transactions. It is designed to provide increased protection against unauthorised use of cards for online purchases. A scenario of how it works: 3D%201 [1] John is an avid online shopper who frequently purchases electronics from an e-commerce website called "ElectroZone." One day, he decides to buy a new smartphone from ElectroZone's website, which offers a wide range of products at competitive prices. Here's how the 3D Secure authentication process applies to John's online purch key Takeaways: 3D%202 [2] John's online purchase was secured with 3D Secure authentication, which added an extra layer of protection against unauthorised transactions. The verification process ensured that only John,

The activation of 3D Secure hinges on the specific terms outlined in the merchant agreement with FNB and their corresponding Sales Manager. These requirements, however, vary based on the individual Merchant and the activation status of 3D Secure, applicable to the following solutions: Divert Lite Enterprise Should the Merchant be enabled for 3D Secure, the following steps must be followed: Navigation path: Applications > Update > Provider Specific) the 3D secure configuration of functions is related to Diners, Visa, Mastercard & American Express. 1. The following screen will appear. The user will select the product to configure and enable for 3D Secure. 3DW%201 [1] Navigate to the ‘Common Provider’ parameter and click on the expansion button. Once you have expanded the ‘Common Provider’ ta

An action corresponds to the combination of a payment mechanism and a command. The concept of an action is used within the documentation and examples as a means of describing functionality. The Enterprise API and iVeri Gateway use the concepts payment mechanism and command instead of Action. The iVeri Gateway allows for the following actions: Authorisation with PAN Reserve funds when a card is not present. This action is commonly known as a "Pre-Auth/Pre-Authorisation" Authorisation with Track2 Reserve funds when a card is present. Funds reservation is not applicable for cards requiring a PIN. This action is commonly known as a "Pre-Auth/Pre-Authorisation" Authorisation with VisaCheckoutCallID Reserve funds when a card is present. Funds reservation is not applicable for cards requiring a P

Additional Data for Procurement Transactions ** Procurement transactions refer to transactions that contain the line item (or order basket) details. If the line-item details are sent to iVeri within a transaction, then a procurement card holder get those details from their issuing bank (for example on their monthly statement). This is of assistance in tracking business to business transactions particularly in large corporations. Procurement transactions are currently only available within distributor Nedbank. Coding for Procurement * The following optional input parameters are Procurement specific per transaction: CustomerReferenceIdentifier  CustomerVATRegistrationNumber  DestinationCountry  DestinationZIPCode  NationalTax  NationalTaxIndicator  OrderDate  PurchaseIdentifier  ShipFromZIPC

Prior to creating a user profile, Acquirers will be required to provide the following user information to create a user profile via the Administration Website: Name Surname E-mail Address Contact number This request must be sent to assist@iveri.com [1] . iVeri support is responsible for configuring the user profiles. The URL and login credentials will be shared with the user so that they may access the Administration Website. [1] http://assist@iveri.com

Admin Portal * **

Now that we have a grasp of the process and the parameters required for a new BIN request, let's delve into the process of amending or updating an existing BIN. Navigation Path:* From the main menu select: Systems > iVeriDB BIN > Local BIN* 1. Capture the BIN number in the search bar provider.  Run the search. The information related to the BIN will populate. 2. To amend the BIN, select the ‘Edit’ tab. 3. The general information tab will populate with information relating to the BIN. Since this is an existing BIN you are amending or updating, the BIN number cannot be edited, which is why it appears greyed out. Update and amend the applicable parameters based on the requested amendments or updates. The most common parameters that are requested to be amended are ‘Card Number Length’ and ‘Car